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CLI Spree

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Anonymous
Not applicable

CLI Spree

6 months since my last CLI run. Here's the latest updates

 

Bank of America 

11K to 19.8K - SP

21K to 35K - SP

 

USAA

16K to 27K Hard Pull Equifax

13K - CLI Denial for max exposure - Have Personal line at 9K balance.

 

Amex

2K Delta to 6K - Finally after 3 years.  SP

Have 6 cards with Amex between 9K and 16K and Platinum NPSL that consistently authorizes 40K test purchases.

 

Synchrony

Ashley 4k to 11K only asked for 10K - SP

Rooms to go - 4K to 9K asked for 10K

Care Credit 14k to 15K asked for 16K.

Total Synchrony 98.9K in Trade lines. Balances 6.7K

 

Citi

Double Cash - $800 SL - CLI denial too many inquiries I assume

Macy's 10K to 11.5K

Home Depot 12K to 22K

 

Chase

Ritz Cartlton - Auto CLI 10K to 12.3K

 

 

Two Applications in the mix

Discover IT miles - SL $2000

5/3 Truly Simple - Instant Approval $13K

 

Scores 740 to 770

53 Accounts - AAOA 39 months.

43 Inquiries Across all bureaus. No BK's or baddies.

Message 1 of 8
7 REPLIES 7
Anonymous
Not applicable

Re: CLI Spree

Congrats on CLI spree , thats very nice one

Message 2 of 8
Time2letgo
Regular Contributor

Re: CLI Spree

Great success, congratulations.

Work In Progress:
Current Revolving Personal CL: ~$466K


Current Revolving Business CL: ~$107K

Gardening Until Dec 2019 or Until All Scores are back above 800s

Message 3 of 8
Credit-hoarder
Valued Contributor

Re: CLI Spree

Great job on the CLI's. But just a heads up-- with Citi store cards are included as part of your maximum exposure.
BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 4 of 8
AverageJoesCredit
Legendary Contributor

Re: CLI Spree

Awesome jobSmiley Happy.
Message 5 of 8
KELSTAR
Regular Contributor

Re: CLI Spree

Just to confirm, Citi Best Buy and Sears CLI increases are soft pulls? 

 

Signature as of 10/01/21. Clean file. MYFICO 3B. I live in Green Bay, Wisconsin for those tracking what credit bureau is pulled by location.
FICO 8 EQ=796 TU=799 EX=801
FICO 9 EQ=816 TU=816 EX=813
MORTGAGE SCORES EQ=773 TU=782 EX=787
AAoA=4Y3M AoOA=11Y4M AoYA=5M
VANTAGE SCORES EQ=825 TU=813 EX=813
BUSINESS CREDIT SCORES. Formed LLC 6/1/18. YEARLY SALES=3M
EXPERIAN BUSINESS CREDIT SCORE=77 EXPERIAN FINANCIAL STABILITY RISK RATING=1 SMALL BUSINESS SCORE SERVICE SCORE=210 D+B=80
HARD PULLS last 12 months EQ=1 TU=1 EX=1 Three new accounts reporting.
HARD PULLS last 24 months EQ=1 TU=2 EX=2 Four new accounts reporting.
INCOME=$290k as of 10/01/21 for income stated on applications. DTI=2.5% Business sales 300k monthly.
MAIN BUSINESS and PERSONAL BANKING=CHASE
MORTGAGE=800K 03/21 2.25%
INSTALLMENT LOAN. Vehicle loan opened 08/18. Zero down. 45K at 0% for 60 months LINCOLN FINANCE.

OPEN PERSONAL ACCOUNTS/OPEN DATE
DISCOVER=34k 10/17 CITI COSTCO VISA=16k 06/18 US BANK CASH+=7k 06/18 PENFED PLATINUM REWARDS=10k 07/18 CHASE FREEDOM=10k 07/19 CHASE SAPPHIRE RESERVE=14.1k 09/20 AMEX PLATINUM= NPSL 04/21 AMEX HILTON SURPASS=10k 05/21

OPEN BUSINESS ACCOUNTS/OPEN DATE
CHASE INK CASH=10k 07/18 AMEX MARRIOT BONVOY=10k 02/19 CHASE INK UNLIMITED=10k 09/19 US BANK BUSINESS CASH=29k 10/19 WELLS FARGO BUSINESS PLATINUM=20k 11/19 AMEX LOWES BUSINESS=15k 11/19 AMEX BLUE BUSINESS PLUS=35k 02/20 CHASE INK PREFERRED=50k 07/20 AMEX BUSINESS GOLD=NPSL 09/20 AMEX BUSINESS PLATINUM=NPSL 05/21 CHASE BUSINESS LINE OF CREDIT= 225k 09/21
Message 6 of 8
Anonymous
Not applicable

Re: CLI Spree

Awesome!! Congratulations!
Message 7 of 8
Anonymous
Not applicable

Re: CLI Spree

I'm not sure about those particular cards, but my Macy's and Home Depot Citi retail cards were soft pulls. I'd imagine BB and Sears would be too. Good luck!

Message 8 of 8
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